Question 1

What does replacement cost coverage mean?

Accepted Answer

Replacement cost coverage pays to rebuild or repair your home using today’s material and labor costs — not the depreciated value of your property. With average dwelling replacement costs at $350K versus $280K market value, this ensures you’re fully covered for what it actually takes to rebuild.

Question 2

What does dwelling coverage include?

Accepted Answer

Dwelling coverage pays to repair or rebuild your home’s physical structure — including walls, roof, floors, attached garages, and built-in appliances — if damaged by a covered event such as fire, windstorm, or vandalism.

Question 3

Are my personal belongings covered?

Accepted Answer

Yes. Personal property coverage replaces furniture, electronics, clothing, and valuables if they’re stolen or damaged by a covered event. For high-value items like jewelry or fine art, ask your specialist about a scheduled endorsement for full replacement protection.

Question 4

What is liability protection and why do I need it?

Accepted Answer

Liability protection pays legal costs and damages if someone is injured on your property or you accidentally damage a neighbor’s. It covers incidents both inside and outside your home, protecting you from unexpected lawsuits and out-of-pocket judgments.

Question 5

What are additional living expenses (ALE) and when do they apply?

Accepted Answer

Additional Living Expenses cover temporary housing, hotel stays, and meals if your home becomes uninhabitable after a covered loss. ALE keeps your family stable and financially protected while repairs are underway.

Question 6

Can I bundle my homeowners and auto insurance?

Accepted Answer

Absolutely. Bundling your home and auto policies with Vantage can save you up to 20% on your premiums. You’ll also benefit from a single point of contact for billing and claims across both policies.

Question 7

What deductible options are available?

Accepted Answer

Vantage offers flexible deductible options starting at $500. A higher deductible typically lowers your premium, while a lower deductible reduces your out-of-pocket cost at claim time. Our specialists can help you find the right balance for your budget and risk tolerance.

Question 8

How quickly does Vantage respond to a claim?

Accepted Answer

Vantage acts fast. An adjuster can often be on-site the next morning, with many claims closed in as little as 18 days. For emergency storm damage, we offer boarding and tarping services within 48 hours — same-day when available.

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Homeowners Coverage, by the Numbers

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